Wireless data communication interface

Abstract

In some embodiments, the rendering a financial transaction record in a second format includes converting a tokenized first item of financial transaction information to an account-specific item of financial transaction information using an account identifier associated with the tokenized first item in a registry stored in a secured account data vault. In some embodiments, the system includes a transaction execution module for transmitting in the second format the first item of financial transaction information for payment processing by the first external financial party, wherein the second format includes the financial transaction information using the account identifier associated with the tokenized first item in a registry stored in a secured account data vault, and transmitting in the third format the second item of financial transaction information for payment processing by the second external financial party.

What is claimed is: 
     
       1. A system for providing a wireless data communication interface, the system comprising:
 one or more computers configured to implement, by executing instructions on one or more processors, a platform-agnostic wireless data communication system, wherein the wireless data system includes:
 one or more receiving modules operating in a customer-facing client application or a merchant-facing client application, the one or more receiving modules for
 receiving, over a wireless data communication channel, a tokenized first item of financial transaction information from a customer mobile device, and 
 receiving a second item of financial transaction information from a point-of-sale interface operating in the merchant-facing client application connected to the customer mobile device through the wireless data communication channel, 
 
 a point of sale server operating in an electronic commerce management provider, the point of sale server for
 rendering, in a common internal format, the first item of financial transaction information, and 
 rendering, in the common internal format, the second item of financial transaction information from the point-of-sale interface, 
 
 a payment processing module operating in the electronic commerce management provider, the payment processing module for
 rendering, in a second format, the first item of financial transaction information for payment processing by a first external financial party, and 
 rendering, in a third format, the second item of financial transaction information for payment processing by a second external financial party, and 
 
 a transaction execution module for
 transmitting, in the second format, the first item of financial transaction information for payment processing by the first external financial party, wherein the second format includes the financial transaction information using an account identifier associated with the tokenized first item in a registry stored in a secured account data vault, and 
 transmitting, in the third format, the second item of financial transaction information for payment processing by the second external financial party, 
 
 
 wherein the one or more receiving modules comprise a single stack application interface residing on the one or more computers. 
 
     
     
       2. The system of  claim 1  for providing a wireless data communication interface, further comprising:
 an authentication module for
 recognizing a customer mobile device located in an area defined within a geofence; 
 identifying a customer associated with the customer mobile device based at least in part on a presence of an application executing on the customer mobile device; and 
 issuing a session token to the application on the customer mobile device. 
 
 
     
     
       3. The system of  claim 1  for providing a wireless data communication interface, wherein:
 the transmitting, in the second format, the first item of financial transaction information further includes transmitting, in the second format, the first item of financial transaction information without transmitting the financial transaction information using the account identifier associated with the tokenized first item in the registry stored in the secured account data vault to the point-of-sale interface. 
 
     
     
       4. The system of  claim 1  for providing a wireless data communication interface, wherein:
 the receiving, over a wireless data communication channel, a tokenized first item of financial transaction information from a customer mobile device further includes receiving, over a Bluetooth low energy radio communication channel, a tokenized first item of financial transaction information from a customer mobile device; and 
 the receiving a second item of financial transaction information from a point-of-sale interface connected to the mobile device through the wireless data communication channel further includes receiving over a broadband wireless network a second item of financial transaction information from a point-of-sale interface connected to the mobile device through the wireless data communication channel. 
 
     
     
       5. The system of  claim 1  for providing a wireless data communication interface, wherein:
 the one or more receiving modules include a single stack application program interface residing on one of the one or more servers. 
 
     
     
       6. The system of  claim 1  for providing a wireless data communication interface, wherein:
 the transaction execution module is further configured for receiving, on the one or more servers, a transaction authorization confirmation from the first external financial party, and 
 the point of sale server is further configured for transmitting, to the customer mobile device, an indication of the transaction authorization confirmation. 
 
     
     
       7. The system of  claim 1  for providing a wireless data communication interface, wherein the payment processing module includes a payment processing gateway for communicating with servers of external financial processors using encrypted links over a network. 
     
     
       8. A method for providing a wireless data communication interface, the method comprising:
 receiving, over a wireless data communication channel by one or more receiving modules operating in a customer-facing client application or a merchant-facing client application, a tokenized first item of financial transaction information from a customer mobile device; 
 receiving, by the one or more receiving modules, a second item of financial transaction information from a point-of-sale interface operating in the merchant-facing client application connected to the mobile device through the wireless data communication channel; 
 rendering, in a common internal format, by a point of sale server operating in an electronic commerce management provider, the first item of financial transaction information; 
 rendering, in the common internal format, by the point of sale server, the second item of financial transaction information from the point-of-sale interface; 
 rendering, in a second format, by a payment processing module operating in the electronic commerce management provider, the first item of financial transaction information for payment processing by a first external financial party; 
 rendering, in a third format, by the payment processing module, the second item of financial transaction information for payment processing by a second external financial party; 
 transmitting, in the second format, the first item of financial transaction information for payment processing by the first external financial party, wherein the second format includes the financial transaction information using an account identifier associated with the tokenized first item in a registry stored in a secured account data vault; and 
 transmitting, in the third format, the second item of financial transaction information for payment processing by the second external financial party, 
 wherein the one or more receiving modules comprise a single stack application interface residing on the one or more computers. 
 
     
     
       9. The method of  claim 8  for providing a wireless data communication interface, further comprising:
 recognizing a customer mobile device located in an area defined within a geofence; 
 identifying a customer associated with the customer mobile device based at least in part on a presence of an application executing on the customer mobile device; and 
 issuing a session token to the application on the customer mobile device. 
 
     
     
       10. The method of  claim 8  for providing a wireless data communication interface, wherein:
 the transmitting, in the second format, the first item of financial transaction information further includes transmitting, in the second format, the first item of financial transaction information without transmitting the financial transaction information using the account identifier associated with the tokenized first item in the registry stored in the secured account data vault to the point-of-sale interface. 
 
     
     
       11. The method of  claim 8  for providing a wireless data communication interface, wherein
 the receiving, over a wireless data communication channel, a tokenized first item of financial transaction information from a customer mobile device further includes receiving, over a Bluetooth low energy radio communication channel, a tokenized first item of financial transaction information from a customer mobile device; and 
 the receiving a second item of financial transaction information from a point-of-sale interface connected to the mobile device through the wireless data communication channel further includes receiving over a broadband wireless network a second item of financial transaction information from a point-of-sale interface connected to the mobile device through the wireless data communication channel. 
 
     
     
       12. The method of  claim 8  for providing a wireless data communication interface, further comprising:
 receiving a transaction authorization confirmation from the first external financial party, and 
 transmitting to the customer mobile device an indication of the transaction authorization confirmation. 
 
     
     
       13. The method of  claim 8  for providing a wireless data communication interface, wherein the transmitting to the first external financial party and the second external financial party is by way of a processing gateway using encrypted links over a network. 
     
     
       14. A non-transitory computer-readable storage medium storing program instructions that, when executed by a computing system, causes the computing system to perform a method for providing a wireless data communication interface, the method including:
 receiving, over a wireless data communication channel by one or more receiving modules operating in a customer-facing client application or a merchant-facing client application, a tokenized first item of financial transaction information from a customer mobile device; 
 receiving, by the one or more receiving modules, a second item of financial transaction information from a point-of-sale interface connected to the mobile device through the wireless data communication channel; 
 rendering, in a common internal format, by a point of sale server operating in an electronic commerce management provider, the first item of financial transaction information; 
 rendering, in the common internal format, by the point of sale server, the second item of financial transaction information from the point-of-sale interface; 
 rendering, in a second format, by a payment processing module operating in the electronic commerce management provider, the first item of financial transaction information for payment processing by a first external financial party; 
 rendering, in a third format, by the payment processing module, the second item of financial transaction information for payment processing by a second external financial party; 
 transmitting, in the second format, the first item of financial transaction information for payment processing by the first external financial party, wherein the second format includes the financial transaction information using an account identifier associated with the tokenized first item in a registry stored in a secured account data vault; and 
 transmitting, in the third format, the second item of financial transaction information for payment processing by the second external financial party, 
 wherein the one or more receiving modules comprise a single stack application interface residing on the one or more computers. 
 
     
     
       15. The non-transitory computer-readable storage medium of  claim 14 , the method further including:
 recognizing a customer mobile device located in an area defined within a geofence; 
 identifying a customer associated with the customer mobile device based at least in part on a presence of an application executing on the customer mobile device; and 
 issuing a session token to the application on the customer mobile device. 
 
     
     
       16. The non-transitory computer-readable storage medium of  claim 14 , wherein:
 the transmitting, in the second format, the first item of financial transaction information further includes transmitting, in the second format, the first item of financial transaction without transmitting the financial transaction information using the account identifier associated with the tokenized first item in the registry stored in the secured account data vault to the point-of-sale interface. 
 
     
     
       17. The non-transitory computer-readable storage medium of  claim 14 , wherein:
 the receiving, over a wireless data communication channel, a tokenized first item of financial transaction information from a customer mobile device further includes receiving, over a Bluetooth low energy radio communication channel, a tokenized first item of financial transaction information from a customer mobile device; and 
 the receiving a second item of financial transaction information from a point-of-sale interface connected to the mobile device through the wireless data communication channel further includes receiving over a broadband wireless network a second item of financial transaction information from a point-of-sale interface connected to the mobile device through the wireless data communication channel. 
 
     
     
       18. The non-transitory computer-readable storage medium of  claim 14 , the method further including:
 receiving a transaction authorization confirmation from the first external financial party; and 
 transmitting to the customer mobile device an indication of the transaction authorization confirmation.